There are people who think you should never agree on a draw, unless you're in a position where no side has chances to progress. And there are people who think that taking a draw with black is always good against a similarly rated opponent. The truth is probably somewhere between.
If a draw helps you (say it would be a deciding half point in a team match or a tournament), I generally don't see any reason not to offer a draw in an undecided position. Some endgames are very drawish (like endgames with symetrical pawn structures and a rook on each side or endgames with opposite colour bishops) - so unless one has considerably more actively-placed pieces, I also don't see a reason to continue.
A rule of thumb: in an individual game, if you don't know whether a position is drawn or not, you should continue IMO.
In a team match OTB, it is considered a good practice to consult offering/accepting a draw with your captain. I don't think this applies to chess.com team matches though.
when do you think is the time when you call the game quits and offer a draw or accept one?